Call reports 2016
CITIZENS SAVINGS BANK — 2016
What CITIZENS SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 331,949,000 | 329,103,000 | 330,921,000 | 334,677,000 |
| Total loans | 263,091,000 | 261,823,000 | 259,789,000 | 258,671,000 |
| Allowance for loan losses | 808,000 | 772,000 | 784,000 | 782,000 |
| Securities available for sale | 32,539,000 | 32,769,000 | 35,381,000 | 36,272,000 |
| Securities held to maturity | 1,521,000 | 1,467,000 | 1,415,000 | 1,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,186,000 | 281,035,000 | 282,410,000 | 286,157,000 |
| Interest-bearing deposits | 264,742,000 | 263,203,000 | 263,752,000 | 268,339,000 |
| Noninterest-bearing deposits | 19,444,000 | 17,832,000 | 18,658,000 | 17,818,000 |
| Equity capital | 45,066,000 | 45,542,000 | 45,826,000 | 45,987,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 5,825,000 | 8,718,000 | 11,575,000 |
| Interest expense | 390,000 | 778,000 | 1,160,000 | 1,529,000 |
| Net interest income | 2,504,000 | 5,047,000 | 7,558,000 | 10,046,000 |
| Noninterest income | 207,000 | 419,000 | 594,000 | 815,000 |
| Noninterest expense | 2,074,000 | 4,190,000 | 6,352,000 | 8,429,000 |
| Provision for loan losses | -4,000 | -32,000 | -21,000 | 15,000 |
| Pretax income | 641,000 | 1,308,000 | 1,821,000 | 2,417,000 |
| Income tax | 192,000 | 419,000 | 561,000 | 755,000 |
| Net income | 449,000 | 889,000 | 1,260,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,606,000 | 45,047,000 | 45,418,000 | 45,820,000 |
| Total capital | 45,414,000 | 45,819,000 | 46,202,000 | 46,602,000 |
| Risk-weighted assets | 166,935,000 | 165,968,000 | 164,954,000 | 166,362,000 |